What are B2B2C products and how do they work?

B2B2C (Business-to-Business-to-Consumer) products serve businesses that in turn serve consumers. Examples include white-label payment platforms, banking-as-a-service providers, and embedded finance solutions. The B2B2C company provides the technology, the business partner handles the customer relationship, and the end consumer benefits from the service.

Why is the B2B2C model popular in African tech?

B2B2C allows companies to reach millions of consumers through business partners who already have customer relationships and distribution networks. In Africa, where building direct consumer reach is expensive and fragmented, B2B2C enables technology companies to scale quickly through banks, telcos, retailers, and other businesses.

What types of B2B2C platforms are listed in this directory?

This directory includes banking-as-a-service platforms, embedded finance providers, white-label payment solutions, insurance distribution platforms, and infrastructure providers that enable businesses to offer financial and technology services to their customers.

How do B2B2C companies make money?

Revenue models include per-transaction fees, monthly platform fees, revenue sharing with business partners, and setup charges. Some charge based on the number of end users served through their platform. The exact model depends on the industry and the value the platform provides to the business partner.

What should businesses look for in a B2B2C technology partner?

Evaluate the platform reliability, API quality, compliance capabilities, customization options, and support for your specific use case. Check whether the provider handles regulatory requirements for your industry and countries. Review how other businesses have integrated the platform through case studies and references.

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